Cholamandalam Financial Holdings Limited
Fundamental Score
Cholamandalam Financial Holdings Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of CHOLAHLDNG across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (19.11%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (54.34%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 15.97 vs Industry: 31.61)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Strong Revenue Growth (16.95%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (20.37% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (31.59% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (31.60% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Institutional Confidence (FII+DII: 39.91%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Risk Factors
5 factors identified
Elevated Debt Levels (D/E: 13.68)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.49x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-116656.15 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Cholamandalam Financial Holdings Limited
About CHOLAHLDNG
Business Overview
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company provides vehicle finance, loan against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. It serves first time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.
Company Details
Key Leadership
Corporate Events
CHOLAHLDNG Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Cholamandalam Financial Holdings Limited (CHOLAHLDNG)?
As of 29 Jan 2026, 10:34 am IST, Cholamandalam Financial Holdings Limited (CHOLAHLDNG) is currently trading at ₹1631.60. The stock has a market capitalization of ₹35.58K (Cr).
Is CHOLAHLDNG share price Overvalued or Undervalued?
CHOLAHLDNG is currently trading at a P/E ratio of 15.97x, compared to the industry average of 31.61x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Cholamandalam Financial Holdings Limited share price?
Key factors influencing CHOLAHLDNG's price include its quarterly earnings growth (Sales Growth: 16.95%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Cholamandalam Financial Holdings Limited a good stock for long-term investment?
Cholamandalam Financial Holdings Limited shows a 5-year Profit Growth of 31.60% and an ROE of 19.11%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 13.68 before investing.
How does Cholamandalam Financial Holdings Limited compare with its industry peers?
Cholamandalam Financial Holdings Limited competes with major peers in the Investment Company. Investors should compare CHOLAHLDNG's P/E of 15.97x and ROE of 19.11% against the industry averages to determine its competitive standing.
What is the P/E ratio of CHOLAHLDNG and what does it mean?
CHOLAHLDNG has a P/E ratio of 15.97x compared to the industry average of 31.61x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹16 for every ₹1 of annual earnings.
How is CHOLAHLDNG performing according to Bull Run's analysis?
CHOLAHLDNG has a Bull Run fundamental score of 59/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does CHOLAHLDNG belong to?
CHOLAHLDNG operates in the Investment Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Cholamandalam Financial Holdings Limited.
What is Return on Equity (ROE) and why is it important for CHOLAHLDNG?
CHOLAHLDNG has an ROE of 19.11%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Cholamandalam Financial Holdings Limited generates profits from shareholders' equity.
How is CHOLAHLDNG's debt-to-equity ratio and what does it indicate?
CHOLAHLDNG has a debt-to-equity ratio of 13.68, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is CHOLAHLDNG's dividend yield and is it a good dividend stock?
CHOLAHLDNG offers a dividend yield of 0.07%, which means you receive ₹0.07 annual dividend for every ₹100 invested.
How has CHOLAHLDNG grown over the past 5 years?
CHOLAHLDNG has achieved 5-year growth rates of: Sales Growth 20.37%, Profit Growth 31.60%, and EPS Growth 31.59%.
What is the promoter holding in CHOLAHLDNG and why does it matter?
Promoters hold 46.42% of CHOLAHLDNG shares, with 0.02% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is CHOLAHLDNG's market capitalization category?
CHOLAHLDNG has a market capitalization of ₹35579 crores, placing it in the Large-cap category.
How volatile is CHOLAHLDNG stock?
CHOLAHLDNG has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for CHOLAHLDNG?
CHOLAHLDNG has a 52-week high of ₹N/A and low of ₹N/A.
What is CHOLAHLDNG's operating profit margin trend?
CHOLAHLDNG has a 5-year average Operating Profit Margin (OPM) of 54.34%, indicating the company's operational efficiency.
How is CHOLAHLDNG's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 16.95% and YoY Profit Growth of 4.64%.
What is the institutional holding pattern in CHOLAHLDNG?
CHOLAHLDNG has FII holding of 17.39% and DII holding of 22.52%. Significant institutional holding often suggests professional confidence in the stock.